Question 1

What's the 2025 conforming loan limit in Contra Costa County?

Accepted Answer

Conforming limits change annually and vary by county. Contact us for current limits specific to Contra Costa County—they determine whether your Lafayette purchase qualifies.

Question 2

Can I use a conforming loan for a Lafayette condo or townhome?

Accepted Answer

Yes, if the HOA meets Fannie Mae approval standards. We verify project eligibility during pre-approval to avoid surprises at closing.

Question 3

How much faster do conforming loans close than jumbo?

Accepted Answer

Conforming loans typically close 3-5 days faster due to automated underwriting. Jumbo loans require manual review, which adds time even with clean files.

Question 4

Do conforming loans work for investment properties in Lafayette?

Accepted Answer

Yes, but expect 15-25% down payment and slightly higher rates. Investment property conforming loans still beat jumbo pricing for cash flow optimization.

Question 5

What credit score gets the best conforming loan rates?

Accepted Answer

740 or higher unlocks top-tier pricing. The jump from 739 to 740 can save 0.25% on rate, which matters significantly on Lafayette's higher loan amounts.

Conforming Loans in Lafayette: Access Lower Rates Through Standard Underwriting